Selective Insurance Group Inc (NASDAQ:SIGI)
Insiders here have filed 2 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Profitable, but on a thin margin.
- Revenue
- $5.43B
- Net income
- $510.9M
- Net margin
- 9.4%
A manageable debt load.
- Total debt
- $901.5M
- Cash
- $928K
- Net debt / EBITDA
- 1.34x
Covers near-term obligations, without much room.
- Current assets
- $14.14B
- Current liabilities
- $10.88B
- Current ratio
- 1.30
The business funds itself from operations.
- Operating cash flow
- $1.19B
- Free cash flow
- $1.14B
- FCF margin
- 21.0%
Not funding itself by issuing shares.
- Shares outstanding
- 59.3M
- Share growth (1y)
- -2.8%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
SIGI Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 1.33 B | 1.39 B | 1.35 B | 1.36 B | 1.36 B | 1.33 B |
| Revenue Growth (YoY) | -2.49 % | 4.54 % | 5.14 % | 8.64 % | 9.31 % | 10.94 % |
| Cost of Revenue | 762.70 M | 816.27 M | 815.50 M | 0.00 | 1.20 B | 1.20 B |
| Gross Profit | 563.60 M | 570.77 M | 535.80 M | 1.36 B | 163.41 M | 129.83 M |
| SG&A Expense | 388.30 M | 258.52 M | 406.00 M | 6.30 M | 0.00 | 0.00 |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 388.30 M | 394.71 M | 411.60 M | 1.21 B | 17.70 M | 20.93 M |
| Operating Income | 175.30 M | 176.06 M | 124.20 M | 156.20 M | 145.71 M | 108.91 M |
| Pretax Income | 162.09 M | 162.84 M | 124.20 M | 196.10 M | 145.71 M | 108.91 M |
| Tax Provision | 33.44 M | 33.46 M | 26.50 M | 40.90 M | 30.37 M | 22.96 M |
| Net Income | 128.65 M | 129.38 M | 97.70 M | 155.20 M | 115.34 M | 85.94 M |
| EPS (Basic) | 2.13 | 2.11 | 1.58 | 2.52 | 1.85 | 1.37 |
| EPS (Diluted) | 2.11 | 2.11 | 1.58 | 2.52 | 1.85 | 1.36 |
| Shares Outstanding | 59.27 M | 60.20 M | 60.50 M | 60.70 M | 61.00 M | 61.30 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.